What is a work rating?
When you join AustralianSuper and you have insurance you’re given an individual work rating. It’s one of the factors that determines how much you pay for your insurance cover.
A work rating classifies the usual activities of your job into one of three ratings:
- Blue Collar
- White Collar
- Professional
Insurance cover with a Blue Collar work rating is the most expensive.
Our default work rating is Blue Collar1 because our membership demographic is wide and all Australians are welcome to join AustralianSuper. Read the Work rating fact sheet for more information.
Could you pay less for your cover?
See the work rating descriptions for more details about each work rating. If the usual activities of your job match the descriptions for White Collar or Professional you may be eligible to pay less for your cover if you apply, and are accepted, for one of these work ratings.
Find out if you could pay less:
1 Due to past employer arrangements, some members may have a default work rating of White Collar or Professional.
Work rating descriptions
Read the details for each work rating so you can work out which one is right for you.
-
Blue Collar
(our default, most expensive)
Automatically applied to your insurance cover.
You’ll keep this work rating unless you apply for and are accepted to change your individual work rating to White Collar or Professional.
Suitable if:
- you spend less than 80% of your job doing clerical or administrative activities in an office-based environment, and/or
- you’re exposed to unusual workplace hazards2.
-
White Collar
(less expensive)
You can apply if:
- you spend more than 80% of your job doing clerical or administrative activities in an office-based environment, or
- you’re a professional using your university qualification in a job that has no unusual work hazards2.
-
Professional
(least expensive)
You can apply if:
- you spend more than 80% of your job doing clerical or administrative activities in an office-based environment, or
- you’re a professional using your university qualification in a job that has no unusual work hazards2
AND
you're earning $100,000 or more a year (excluding Superannuation Guarantee (SG) contributions) from your job(s). This amount is pro-rata for part-time employment (for example, if you work part-time 4 days a week and earn $96,000 a year, your pro rata/full time equivalent is $120,000),
AND
you have a university qualification or you have a management role in your company.
Use our Work Rating Tool to help you see if you could pay less for your insurance cover.
How to check and change your work rating
If you’re a member and not sure what your individual work rating is, log into your account and go to Insurance or call us on
1300 667 387.
If you’re eligible to change your work rating, there are two ways to apply:
- log into your account and go to Insurance, then Manage my insurance, or
- complete this Change your individual work rating form.
If your application is accepted by the Insurer3, we’ll confirm your new individual work rating and the new cost of your cover in writing.
Your individual work rating will be checked by the Insurer if you make a claim, and if they decide you weren’t eligible for the work rating your applied for, you may have to pay the difference in insurance costs and your work rating may change.
3 AustralianSuper insurance is provided by TAL Life Limited (the Insurer), ABN 70 050 109 450, AFSL 237848.